Job Description

Corporate & Investment Bank (CIB) delivers a comprehensive suite of banking, capital markets and advisory solutions, including a full complement of sales, trading and research capabilities, to corporate, government and institutional clients. We focus on our clients' overall financial needs, with consideration and respect for their total relationship with Wells Fargo.Markets provides solutions to clients with the means to manage their exposure through various derivatives, lending and cash products across Structured Products Group, Rates, Equities, Foreign Exchange, Municipal Products Group, Credit Sales & Trading.About this role:Wells Fargo is seeking a Client Due Diligence Analyst to join the Consumer Compliance Risk Assessment & Due Diligence (CCRADD) team. This role is responsible for performing periodic, primarily on-site due diligence reviews of Wells Fargo lending clients and supporting due diligence reviews of prospective clients. The role evaluates operational, financial, regulatory, and reputational risks associated with mortgage origination, mortgage servicing, single-family rental, business‑purpose lending, builder and ground‑up construction lending, and specialty consumer finance platforms, and reports findings to the CCRADD team and related stakeholders.The Analyst supports credit decisioning, renewals, and portfolio monitoring by assessing client compliance with operating and financial covenants, evaluating the quality, integrity, and performance of mortgage‑related collateral and receivables, and identifying risk trends that may impact client performance, liquidity, or credit posture.In this role, you will: Perform periodic on-site due diligence reviews of existing mortgage and specialty lending clients in accordance with established CCRADD procedures, review schedules, and risk frameworksParticipate in on-site and remote due diligence reviews of prospective mortgage originators, servicers, SFR operators, BPL lenders, and builder construction lenders, including pre‑review planning, execution, and reportingTailor review scope based on client business model, loan products, servicing profile, collateral composition, and credit exposureAssess mortgage origination practices, including underwriting standards, credit policies, appraisal processes, quality control frameworks, and exception managementEvaluate compliance with applicable regulatory and investor requirements (e.g., consumer protection, licensing, servicing transfer readiness, and loan documentation standards)Review loan production pipelines, funding mechanics, repurchase exposure, and early payment default trendsEvaluate mortgage servicing operations, including payment processing, escrow administration, default management, loss mitigation, foreclosure workflows, and servicing transfersAssess servicing controls related to data integrity, loan boarding, investor reporting, custodial relationships, and servicing advance managementReview portfolio performance metrics, delinquency trends, modification activity, and servicing compliance practicesEvaluate the quality, eligibility, and performance of collateral and receivables supporting Wells Fargo credit facilitiesTest controls around collateral reporting, loan‑level data accuracy, eligibility determinations, and compliance with financing agreementsReview advance formulas, concentration limits, ineligibility tracking, and collateral reconciliation processesAssess single‑family rental Specialty Lending Focus (SFR) platforms, including acquisition strategies, property management oversight, rent collection processes, and valuation controlsReview business‑purpose lending (BPL) programs, including borrower underwriting, collateral evaluation, DSCR methodologies, and covenant complianceEvaluate builder and ground‑up construction loan portfolios, including draw controls, inspection processes, cost‑to‑complete tracking, and interest reserve managementIdentify emerging risk trends, control gaps, covenant breaches, or performance concerns that may warrant escalation, enhanced monitoring, or follow‑up reviewsComplete and document testing and observations using standardized CCRADD due diligence templates, workpapers, and supporting evidencePrepare clear, well‑supported written due diligence reports and executive summaries for CCRADD management and credit stakeholdersCommunicate findings, key observations, and risk considerations to internal stakeholders, including CCRADD leadership, relationship teams, and credit partnersProvide recommendations to enhance due diligence methodologies, procedures, and risk coverageSupport an annual due diligence cadence of approximately 20–25 client engagements annually, depending on complexity, product mix, servicing profile, and overall risk exposureRequired Qualifications:5+ years of Client Due Diligence, consumer finance, operational risk, or audit/financial management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:Experience in client due diligence, mortgage credit analysis, servicing oversight, audit, compliance, or risk managementWorking knowledge of mortgage origination, mortgage servicing, SFR, business‑purpose lending, and/or construction lending preferredStrong analytical skills with the ability to evaluate mortgage business processes, operational controls, financials and risk exposureAbility and willingness to conduct on‑site client reviews, including travelStrong written and verbal communication skills, with experience preparing professional, risk‑based reportsAbility to work independently, exercise sound judgment, and escalate issues appropriatelyBachelor’s degree or equivalent relevant professional experienceJob Expectations: Position supports Wells Fargo’s Consumer Compliance Risk Assessment & Due Diligence (CCRADD) function within the Structured Products GroupRole requires close coordination with internal stakeholders across credit, compliance, risk, and relationship managementPrimarily an on‑site execution role, with limited remote components based on review scope, client profile, and risk considerationsAbility to travel as needed (estimated 25% or more)Willingness to work on-site in accordance with current office requirementsAbility to work additional hours as neededThis position is subject to FINRA background screening requirements. Candidates must successfully complete and pass a background check prior to hire. In accordance with FINRA rules, individuals who are subject to statutory disqualification are not eligible to be associated with a FINRA-registered broker-dealer. Successful candidates must also meet and comply with ongoing regulatory obligations, which include periodic screening and mandatory reporting of certain incidents.Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.Posting Locations:550 S. Tryon St. - Charlotte, North Carolina 28202Posting End Date: 9 Aug 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.Drug and Alcohol PolicyWells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.Wells Fargo Recruitment and Hiring Requirements:a. Third-Party recordings are prohibited unless authorized by Wells Fargo.b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.SummaryLocation: CHARLOTTE, NCType: Full time

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